Can’t pay my Sainsburys Credit Card

Sainsburys credit cardIf you can’t pay your Sainsburys Credit Card bill on time, you need to take action quickly. Do not ignore the problem and hope it will go away. Debt has a nasty habit of spiralling out of control. If you are looking for assistance with your debt, we recommend this organisation.

If your Sainsburys Credit Card is just one of several loan repayments you are struggling to make, you should consider setting up a Debt Management Plan with a reputable Debt Help Organisation We recommend this organisation because they are leaders in the debt help industry and get excellent reviews. A debt management plan combines all your debts into one monthly payment that is affordable to you. For more information on how a Debt Management Plan can help you with your Sainsburys Credit Card and other debts, check out our Debt Management Plan page.

Remember that if you miss a monthly payment, or your payment is late you will be charged a late payment fee of up to £12. You will also likely end up incurring additional interest charges. These fees and interest will build up quickly which is why you need to take action right away.

Are you completely stressed out? Do you just want someone else to take care of your debt?

I can’t pay my Sainsburys Credit Card, what should I do?

Are you behind with payments to several lenders? If so you need to act quickly before your debt becomes an impossible challenge. Get in contact with a debt help organisation (like this one) right away.

If your Sainsburys Credit Card is the only payment you are struggling with then you can probably resolve the issue on your own. We suggest contacting Sainsburys Credit Card customer service and explaining your situation. Hopefully they will be accommodating and allow you to deffer payment to a later date. Of course you need to be realistic about whether or not you will be able to make the payment on the later date.

We have drawn up several letters you can send to Sainsburys Credit Card customer services to negotiate a lower monthly payment or a full and final settlement. You can find the debt help letters here.

Help! My Sainsburys Credit Card is just one of my overdue accounts.

If this applies to you you should urgently seek advice and assistance from an experienced debt help organisation. It is not easy to get out of debt especially if you have had a change for the worse in your income. We recommend contacting this organisation as they are one of the largest in the UK and they receive excellent reviews.

Read more about paying off your credit card bills here.

Sainsburys Credit Card fee

For certain transactions and in some circumstances you will have to pay a fee, charge or interest. Here is a list of the more common fees that apply to a Sainsburys Credit Card:

  • Late Payment Fee £12
  • Over limit Fee £12
  • Returned Payment Charge £12
  • Paying your monthly statement using foreign currency £10
  • Stopping credit card cheques (except lost or stolen cheques) £10
  • Gold Card Monthly Fee £5
  • Requesting copies of previous statements, from £5
  • Changing your statement date more than twice in six months £5

Sainsburys Credit Card interest charges

Since the information regarding interest charges is subject to change on a regular basis we recommend you visit the relevant section on the Sainsburys website. Follow this link for up to date information about Sainsburys Credit Card interest rates.

Help with your payments – From the Sainsburys Credit Card Website

sainsburys bankFalling behind with your credit card payments could mean you’ll have to pay extra interest and fees. If you miss a monthly payment, or your payment is late, we’ll charge you a late payment fee of up to £12. We want to help our customers avoid any of these extra charges. Call us to find out how we can help.

Struggling to repay?

Call 0808 1450 379. We’re open Monday to Friday 8am-9pm, and 8am-5pm on Saturdays. Calls may be recorded.

Already in arrears?
Call 0808 1450 364. We’re open Monday to Friday 8am-9pm, 8am-4pm on Saturdays and 9am-2pm on Sundays. Calls may be recorded.

Find out if you could WRITE OFF UP TO 80% of your debt!

Sainsburys Credit Card contact details

You can contact Sainsburys Credit Cards in several ways:

To make a complaint over the phone, please call Sainsburys Credit Card customer service on 08085 40 50 60

Alternatively, you can put your complaint in writing and send it to:

Sainsbury’s Bank
Customer Relations
Dundas House
Viking Way
Rosyth Europarc
Rosyth KY11 2UU

The Financial Ombudsman Service is an external body which plays a key role in the complaints process. The Financial Ombudsman is an impartial and independent organisation formed to help settle individual disputes between consumers and financial services businesses without taking sides.

Taking a complaint to the Financial Ombudsman Service

If Sainsburys Credit Card has not been able to resolve your complaint to your satisfaction once they have given you their decision, you are able to refer your complaint to the Financial Ombudsman. They will only investigate your complaint if you have already tried to resolve it with Sainsburys Credit Card first or if it has been more than eight weeks since you first raised your complaint with Sainsburys Credit Card.

If you are going to the Financial Ombudsman Service because you are unhappy with the outcome of your complaint, you will need to do this within six months of receiving their final response letter.

You also need to contact the Financial Ombudsman Service within six years from the event you are complaining about (or – if later – three years from when you knew, or could reasonably have known, you had cause to complain).

Contacting the Financial Ombudsman Service

You can contact the Financial Ombudsman Service:

by post:

Financial Ombudsman Service
Exchange Tower
E14 9SR

by email:

by telephone : 0800 0 234 567

You can contact the Financial Ombudsman Service via an Online Dispute Resolution (ODR) platform that has been created by the European Commission.

The ODR platform will forward your complaint to the Financial Ombudsman Service.

For more information about ODR please visit the European Commission website.

Before you are entitled to go to the Financial Ombudsman Service, you may find it helpful to make use of the FLA’s conciliation scheme to resolve your complaint.

You can write to: the FLA’s Conciliation and Independent Arbitration Scheme, addressed to:

The Compliance Manager
Finance & Leasing Association
Imperial House
15-19 Kingsway
London WC2B 6UN

Fax: 020 7420 9600

Sainsburys Credit Card – The legal stuff

Sainsbury’s Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register no. 184514). Sainsbury’s Supermarkets Ltd is an appointed representative of Sainsbury’s Bank plc.